Most people know that any type of moving violation is likely to result in an increase in your auto insurance. What you might not realize is just how much of an impact that incident can have and how long you’ll be paying for that mistake.
Insurancequotes.com commissioned a study to look at the way a moving violation affects insurance rates across the country. The study tracked rate increases for serious infractions like DUIs (driving under the influence), DWIs (driving while impaired/intoxicated), reckless driving, traveling more than 30 mph over the speed limit and improper passing, as well as minor violations like not signaling, driving in the carpool lane without the correct number of passengers, driving without a license or not wearing a seatbelt. How much of an increase you’ll see really depends on where you live and the type of violation.
Insurers are more likely to substantially increase rates for higher risk violations like DUIs in which the likelihood of bodily injury or even death is significant. Although the average increase for a DUI/DWI is 92%, drivers living in North Carolina are likely to see the highest increases at 337%, followed by Hawaii at 289% and California at 184%. Michigan (117%), Illinois (113%), New Jersey (112%) and Massachusetts (105%) also are in triple digits when it comes to increases. Maryland had the lowest increase for a DUI arrest, coming in at just 15%.
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